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Protect your stay at home spouse with critical illness insurance

Frank Darras Founding Partner and Disability Lawyer DarrasLaw, America’s Top Disability Firm

Stay-at-home parents are often under-appreciated for what they do day after day. Many may not even realize what their responsibilities are worth and how they need to protect themselves against a major illness. The risk of an American suffering from a critical illness in their lifetime is high, meaning families need to look at options for stay-at-home spouses, including proper insurance policies and enough coverage, should they not be able to perform their important duties.


Do take a hard look at what stay-at-home spouses contribute

The “invisible” paychecks of stay-at-home spouses are oftentimes overlooked. While these paychecks may not actually exist, they do represent the worth of stay-at-home spouses. According to, who has been doing salary surveys for over a decade, stay-at-home moms spend close to 100 hours per week on their household responsibilities.

Do consider critical illness insurance if you can’t afford regular health insurance

A stay-at-home spouse can purchase this policy, which means if they are diagnosed with a critical illness like cancer, they will collect a lump sum to help pay for medical bills and other necessary costs. Most policies tend to cover specific illnesses depending on the insurance company.

Do place a quantifiable amount on the ‘invisible paycheck’

How many hours are spent on childcare, housework, cooking, etc. in your household? Calculating the average monetary worth of these actions will give you a good idea of how much insurance you may need to buy to keep expenses covered if a stay-at-home spouse becomes critically ill.

Do review your current insurance policies at least annually

By reviewing your current policies, at least annually, you can make sure you remember what is covered and add items or people to a policy for additional coverage.

Do know what challenges you would face if you were unable to work

With most families, a breadwinner’s income may cover typical monthly expenses with very little left over. Imagine if your stay-at-home spouse became sick and could not do the housework or childcare as they usually would. The cost for household help can mean spending hundreds of dollars over your budget every week.


Do not underestimate the importance of disability insurance

Stay-at-home spouses cannot purchase a disability insurance policy since they have no actual income, but the working spouse can. It is still important for the working spouse to purchase a policy in case they are injured or ill and cannot work for an extended amount of time. This spouse is sole breadwinner and if they cannot work then there is no support for the family.

Do not ignore the value and importance of your significant other

Whether you are the breadwinner or a stay-at-home spouse, your significant other deserves respect for their job, whatever it may be. Both contribute something vital to the relationship and to the home.

Do not disregard how costly medical bills can be

While many people may not feel like it, it’s worth the monthly premium to purchase either disability or critical illness insurance, all too many American families are going bankrupt due to unforeseen medical bills. The cost of health care is at an all-time high, leaving many paying off their debt for years to come.

Do not neglect to review all your critical illness insurance options

Just as with any other type of insurance, don’t blindly accept the first critical care insurance policy you come across. Take care to evaluate your families’ needs and factor those into your decision.

Do not discount the expertise of an insurance agent

An experienced insurance agent can help you find the right type of policy for you and your family. They will help you evaluate the features, advantages, coverage available and costs tailored to your specifications.

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By protecting the contributions of family members through strong insurance policies, you will be able to rest easy knowing the family’s income and savings won’t be depleted should something catastrophic happen. While the ‘Invisible Paycheck’ may be nonexistent for most, you will be ahead of the pack when it comes to safeguarding your future.

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Frank DarrasFounding Partner and Disability Lawyer

Frank N. Darras made a decision nearly a quarter century ago that would affect tens of thousands of Americans. Darras took the road less traveled to help the sick, disabled, and elderly mount a heroic fight against billion-dollar insurance compa...

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